Flexible Payment Options

Financing for Every Budget

A new HVAC system is a major investment. We've partnered with leading lenders to offer flexible financing so your home stays comfortable without financial stress.

Our Plans

Three Flexible Financing Options

All plans feature a simple online application with most approvals in minutes. Subject to credit approval.

Option 1

Same-As-Cash

0% APR / 12 months

Pay nothing extra if paid in full within 12 months. Ideal for repairs and smaller system replacements.

No interest if paid in 12 months
Minimum purchase: $500
Low monthly minimum payments
Quick online approval

Apply Now

Extended Low APR

6.9% APR / 24 months

Spread payments over 2 years with a low, fixed interest rate. Perfect for full system replacements in the $4,000–$8,000 range.

Fixed monthly payment
No prepayment penalty
Minimum purchase: $2,000
Combine with rebates & specials

Apply Now

Option 3

Low Monthly

9.9% APR / 60 months

Maximum term, minimum monthly payment. Keep cash in your pocket while your new system starts saving you money on energy bills right away.

Payments as low as $79/mo
5-year term
Minimum purchase: $3,000
Energy savings offset payments

Apply Now

Simple Process

How Financing Works

Apply Online

Complete the short application below. Takes about 3 minutes. Most applicants receive an instant decision.

Get Approved

Receive your credit limit and plan options. We'll review the numbers with you and answer any questions.

We Install

Schedule your installation. Financing activates on job completion. Your first payment is due 30 days later.

Financing FAQ

Common Questions

What credit score do I need to qualify?

Most of our financing plans are available to applicants with a credit score of 620 or higher. We have options for a range of credit profiles. If you're unsure, apply and see — it's a soft pull and won't affect your credit score.

Can I combine financing with a special offer or rebate?

Yes! You can apply any current seasonal promotions or manufacturer rebates directly to your financed purchase, effectively reducing the amount you finance and your monthly payment.

Is there a penalty for paying off early?

No prepayment penalty on any of our plans. You can pay off your balance at any time with no extra fees. If you're on the 12-month same-as-cash plan and pay in full before the term ends, you pay zero interest.

What happens if I'm not approved?

We work with multiple lenders and can often find a solution even if your first application is declined. We also accept all major credit cards. Call us at (512) 555-4822 to discuss your options — we'll find a way to get your system installed.

Does financing cover repairs as well as new installations?

Yes. Any service or repair totaling $500 or more qualifies for our 12-month same-as-cash plan. Larger repairs and installations qualify for all three plan options.

Ready to Move Forward?

Apply for Financing Today

The application takes 3 minutes. Most decisions are instant. Have your SSN and annual income handy.

Start Your Application

Questions? Call us at (512) 555-4822